Wojcik’s All Faiths and Beliefs Funeral Chapels and Crematoriums

Richard Wojcik Discusses the Advantages of Funeral Insurance

Friday, October 12, 2018 4:20 PM

WINNIPEG, MB / ACCESSWIRE / October 12, 2018 / In the immediate aftermath of a death in the family, those left behind need time to grieve and gather the strength to move forward without a loved one. The emotional stress caused by such a loss is severe enough in itself, but it becomes excruciating when the bereaved also have to contend with financial issues. As a licensed funeral director and the owner of Wojcik's Funeral Chapels &
Crematoriums, Richard Wojcik has often emphasized the importance of planning ahead when it comes to end-of-life matters. As difficult as it is to discuss death, making these hard decisions and certain preparations in advance brings peace of mind to all parties concerned. Those who plan for their funeral are guided by the desire to alleviate the anticipated burden on the remaining family members while also ensuring that their own send-off is conducted in a manner compliant with their wishes and beliefs. One of the ways to achieve it is by opting for funeral insurance, which can spare the bereaved significant expenses while allowing them to stage a memorable farewell ceremony for their dearly departed, Richard Wojcik said.

Funeral insurance, also referred to as burial or final expense insurance, is a financial product designed to provide funds for covering funeral and cemetery costs. Typically, insurers offer such policies to people with the benefit paid ranging from $400 to $50,000. While a life insurance policy will provide the family of the deceased with a payout that can cover burial expenses, such an option does not work for everyone. Most people in poor health find it beyond their means due to the high premiums they are expected to pay, so funeral insurance would serve their purposes better because taking out such a policy does not require a medical exam. Moreover, final expense insurance comes with fixed premiums, and coverage starts immediately after the first payment. This product can also allow a person to leave something extra to immediate family members by purchasing a policy whose cash benefit exceeds the estimated funeral expenses.

Most people tend to forget or simply do not realize that a death incurs expenses beyond the cemetery plot, casket, headstone, and the funeral service itself, according to Richard
Wojcik. There could be medical or other bills and credit card debt left to pay off, and the bereaved may have to accommodate funeral guests from out of town. Additionally, the obligations associated with arranging and conducting the farewell ceremony can sometimes force a family member to take time off work, which will impact their income and likely put them in financial duress. In certain cases, the estate of the departed may need settling, resulting in additional expenses for a probate lawyer. All of these and other unforeseen costs make a funeral insurance policy a great final gift from the deceased. It takes care of the financial burden that comes with death, allowing the surviving family members to honor their loved one in style and mourn their loss without stressful distractions.

Richard Wojcik has been involved in the death care industry since the age of 12, when he started working at Beausejour,MB. A licensed funeral director and embalmer, he has devoted 34 years to serving Winnipeg and neighboring communities. Wojcik's Funeral Chapels & Crematoriums, which he opened in 1998, prides itself on offering professional and compassionate services to people of all faiths.